VOO. I predominantly use Schwab’s robo advisor and have consistently been 8% below S&P 500. (1) based on the historical performance of VOO, am I better off shifting all of my retirement and brokerage accounts to VOO? (2) how do I do that? How should I go about this? Liquidate all my robo advisors and then buy VOO? Hope you all don’t roast me too hard!

Thoughts on reducing 401k % during this bear market slash recession?

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

All my investment is in real estate - 1 primary and 2 rental. Total 3.7 M value and 1.7 mortgage pending. About 400k in cash. I’ve 0 RRSP. Is my investment strategy terrible?

What credit card to you recommend pairing well with chase sapphire preferred for maximizing redemption? Pretty new to points and def don’t know a lot! I’m considering one of the Marriott cards bc we love Marriott or an Amex one! Any ideas appreciated 🤗 TIA!!

Anyone have specific financial goals they're willing to share and how to get there? I'm 30 yo, l10 and $$ gives me anxiety. Currently making ~$95k with $30k in brokerage and $30k 401k. Or, tips for not stressing out that I'll be broke in retirement? Should I make a lateral move out at some point and target a $250k salary by X age?

How’s the rental market in denver right now? am looking for 1.2k 1bd where it’s walking or biking distance to restaurants, shops. doable?

Any recommendation on books that discusses cryptocurrency? I am reading Vigna The Age of Cryptocurrency now, but is there any other book that discusses more extensively on one of the fintech(e.g. Smart Contracts)?

Monday Wordle :

Wordle 401 5/6

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Recommendations on how to simultaneously pay off student loans and invest?

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

Recently received notice from landlord rent is going up ~20%. For reference, it is privately owned condo and did not sign at a COVID discounted rate. Super frustrated. What are others seeing for rent increases?

Have 700K USD worth of invested assets (less real estate, cash/receivables, and precious metals). if I need 4K USD per month for expenses, can I now coast?

What's up with risk declaration?

I'm working as an Assoc Consultant at KGS Advisory (tech). Are employees allowed to invest in all mutual funds (except those on REL)?
What are the restrictions for people who are not auditing?

What percentage of your income do you save, invest and spend?

Just got a little tipsy and impulse-bought a $2,000 82” tv. Hope it’s worth it.

Has anyone tried to sell miles or points through one a site. I have a family member looking to do it and I had never looked into. Any experiences? Pros cons

Is it a usual practice in SAP LABS to keep experienced hires in 6 months probation period?

Hi Fishes,

What is Difference between SAP Labs and SAP India Pvt Ltd.

For SAP Consultant which will be best suited organization?

Thanks in Advance

Hi everyone, I’m in asset management at a real estate firm with 2 years of experience in my current role and 5 total years of experience in finance. What should my comp range be?

Has anyone worked for Mission Veterinary Partners? What is the culture like?

PLTR is crushing it the past two weeks.

Hi fishes, I am looking out for new job preferably in MNCs. Any help would be much appreciated. Thank you.

Skills : Nodejs, Angular
Yoe: 3

Hi everyone,
I am looking for a job in software testing with 3 years of experience in manual and automation testing...can anyone refer me pls ...

I am working as a Quality professional (medical devices) with 5 years of quality management system experience. Any idea which companies are hiring for the same now?
My expected CTC is 10 LPA.
Kindly suggest.

Hi looking for referral for position VMware consultant. I am having 5 years experience with VMware vsphere, NSX, VRA, SRM , TKS , tanzu kubernetes and TKG.

If I get fired while on OPT without getting my H1-B stamped, is it useless or can it be used in future for some other job?

Hello guys,
I have heard that most legacy systems specifically mainframes are being replaced and new technologies taking over for similar purpose.
How about employee like us who just started in this mainframe tech . Where will we end up if you stay in this.
Many of onsite leads tells that move of it as they are migrating larger part of it to new platforms but BU heads says it is going to stay for a long long time don't get panicked.
Can anyone let me know the real scenario.??

Any thoughts on how the litigation going on between Twitter and Elon Musk is going pan out?

Who has bad law April Fool's jokes?

Got an offer from syneo health gurgaon of 12 LPA for 2.5 yoe i don't know much about the slabs! If anyone can help with that??
And also the working environment of this CRO...

Has anyone on here moved from IB to management consulting as an experienced hire? How do you view the decision in retrospect?

Why is education deemed more valuable on a pay scale than experience? Employers will pay someone with a degree and no experience a greater salary, than someone who has exhibited the experience. Understanding that the degreed person committed to school and finished, yet that doesn't diminish what the not degreed has committed to and accomplished in their careers. This has to stop!

Hi, fishes! I just joined EY GDS last October. Is it possible for me to be regularized in Cycle 2?

Hello fishes,

Please help i am Lead associate at 7 LPA CTC. Can I expect 10 LPA CTC in my next cycle progression/promotion.

Please help experience person.

Thank you

Got a hefty joining bonus and the taxes trimmed it almost into half. What did I do wrong? Will I get some of it back when I file next year? Also, anything I should do going forward? I don’t have a tax adviser and have been doing it myself so far

Has anyone used individual citi wealth management account?

Any feedback on the same?

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

Investing newbie here trying to invest my hsa. Debating if I should do 100% on something like viix for simplicity or if I should diversify? If diversifying, what’s a recommended approach? Perhaps 2-4 funds? Many thanks for the help.

Is right now a good time to rebalance my 401k. Want to move everything out of target funds to index funds. But worried it’s not a good time

I work in sf and Nyc and have now saved enough where I’m wondering if it makes sense to buy rather than rent an apartment as an investment. Tricky part is I’m still quite young and this wouldn’t be my lifelong/family home. Have also considered buying in less metropolitan areas and renting them out for passive income. Curious if anyone’s gone through this process before and have thoughts ?

Combined outstanding student loans for me and spouse $$70k.
Do you recommend pay down quickly a la Dave Ramsey, pay minimums and invest the rest, hold out hope for student loan forgiveness or something else?

Additional context - own a home in suburbs (2.15% rate, 255k outstanding, and a few 0% loans for couch, computer, Home Depot, 1 child in daycare

Considering opening a 529 plan to fund my MBA in the future, is that possible?

I’m finally hitting a stride (now in my mid-30s) and have some cash to play around with/invest. Any suggestions or recommendations on good, long-term strategies (and/or things I should absolutely be doing) for people not familiar with having a tiny cushion of wealth? Also open to “you should hire a financial advisor, etc..”

My grandma is nearing the end of her life, so I just booked a last minute flight home with cash. I am thinking of booking a returning flight in the next few days with points with United. I may have to cancel/reschedule...does anyone know if they refund points if <1 week out? I can’t find the answer online.

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

Should I get an accountant/tax pro? I’m sick of paying for $200 for turbo tax and still having to do all the work. I’m Buying and selling (mostly just buying) equities through multiple brokerages, maxing 401k and accruing interest on multiple checking / savings accounts. Not rly any tax breaks. Would be willing to pay up to ~$400 for some convenience

If I have a six year old and 150k in a 529, can I say I’m done?

Has anyone looked into starting a property management business? Repeat clients, scalable, and can run smoothly once you figure out the right team/systems. Any general thoughts and or recommended resources/books? Haven’t done much research...just sharing shower thoughts here

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

Are there resources available for H1b holders thinking to invest? Less than 1year into career and have 10k sitting not sure what to do with it... I’m still unsure if I’ll be in the states long term..

Long term recommendations for ETFs buying in now? QQQ and VTI? Recommend any of the blue chips?

Hello all!

Am I correct in my understanding that:

Over a certain income ($76k as of 2021), a single person CANNOT make tax-free contributions to a traditional IRA if you have a workplace retirement plan?

In my example, I have a work 401k, and my adjusted gross income is over (or just about hovering) at the 76k limit. This means I can't make pre-tax contributions to a traditional IRA, so I should just go for a Roth?

Thoughts on purchasing VGT, VOO and VTI right now?

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.